Contractor insurance in Pennsylvania
General liability, workers' comp, tools, and bonds for Pennsylvania trades.
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We shop carriers including
- 8+ A-rated carrier partners Independent broker panel
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- 60 sec To a real quote ZIP-first flow
- PA-licensed Real agents Devon, Chester County
What contractor insurance covers
Contractor insurance is bundled by trade. A roofer, an electrician, and a finish carpenter all need general liability, but the carriers that price each well are not the same. We write Pennsylvania trades across the full stack: GL, workers' compensation, commercial auto for trucks and vans, inland marine for tools and equipment, and surety bonds when the customer or the AHJ requires one.
The single most common claim type in residential trades is property damage during the job — a dropped tool, a saw cut into a pipe, a paint spill. General liability covers it. We usually start the conversation at $1M per occurrence and $2M aggregate.
Pennsylvania doesn't require a state contractor's license, but many municipalities and counties do. Some, like Philadelphia, require GL with specific limits and a copy of the COI on file. We pull the requirements before quoting so the policy actually matches what you need to register.
Three steps to a Pennsylvania quote
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1
Tell us your ZIP
One field gets us started. We'll ask only what we need.
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2
We shop the market
Multiple carriers compete. You see real options, not a single quote.
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3
Bind in minutes
Pick the policy that fits and you're covered — same day.
Coverage types we write
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General liability
Third-party bodily injury and property damage from your work. The coverage every contractor names first.
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Workers' compensation
Required in Pennsylvania for almost all employers. Pays medical and lost wages when an employee is injured on the job.
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Commercial auto
For trucks and vans titled to the business. Personal auto policies usually exclude business use.
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Inland marine (tools & equipment)
Your tools and equipment when in transit, on a job site, or stolen from the truck overnight.
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Surety bonds
Bid bonds, performance bonds, and license bonds. We write trade-specific surety through carriers that bond Pennsylvania contractors.
Why CY Financial for contractor insurance
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Independent broker
We work for you, not a single carrier. Real comparisons, real choice.
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Top-rated carriers
A panel of A-rated carriers shopping for the policy that fits.
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Real licensed agents
Talk to a Pennsylvania-licensed agent any day of the week.
Carriers we shop
Contractor insurance by county
We write contractor coverage across all 67 Pennsylvania counties. Start with the metros below or browse the full state hub.
Frequently asked questions
How much general liability do I need as a contractor in PA?
The Pennsylvania Home Improvement Consumer Protection Act sets a minimum of $50,000 of liability for registered home-improvement contractors. Most general contractors carry $1,000,000 per occurrence and $2,000,000 aggregate because that's what general contractors and homeowners ask for on the COI.
Do I need workers' compensation if it's just me?
Sole proprietors with no employees are not required to carry workers' comp in Pennsylvania, but a general contractor on the job above you almost always asks for it before letting you on site. Some sole owners carry it anyway because the GC won't bring them on without it.
What does a $1M general liability policy cost in Pennsylvania?
For a small handyman or finish trade with low payroll and clean claims, roughly $600 to $1,400 a year. Roofing, framing, and HVAC sit higher because the loss exposure is higher. We get specific numbers once we know the trade and the receipts.
Can you bond me for a job tomorrow?
Bid and license bonds are usually same-day or next-day. Performance bonds depend on the job size and the contractor's financial statements. We can pre-qualify you for a bond program so the bond is ready when the job is.
Are subcontractors covered under my general liability?
Subs you hire are independent businesses. Your GL covers your direct work; the sub's GL covers the sub's work. We add hired/non-owned auto and ask for sub COIs as standard practice — most carriers expect it.
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